The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$20,961
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,613
−HK$662/mo
Today · 4.125%
HK$22,275
baseline
▲ 0.50% · 4.625%
HK$23,630
+HK$1,355/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,550/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,318
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,944
−HK$634/mo
Today · 4.125%
HK$24,578
baseline
▲ 0.50% · 4.625%
HK$25,874
+HK$1,296/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,156/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,153
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,935
−HK$795/mo
Today · 4.125%
HK$26,730
baseline
▲ 0.50% · 4.625%
HK$28,356
+HK$1,626/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,460/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,982
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,733
−HK$761/mo
Today · 4.125%
HK$29,494
baseline
▲ 0.50% · 4.625%
HK$31,049
+HK$1,555/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$58,988/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,345
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,258
−HK$927/mo
Today · 4.125%
HK$31,185
baseline
▲ 0.50% · 4.625%
HK$33,082
+HK$1,897/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,370/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,646
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,521
−HK$888/mo
Today · 4.125%
HK$34,409
baseline
▲ 0.50% · 4.625%
HK$36,223
+HK$1,814/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,818/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,729
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,903
−HK$1,192/mo
Today · 4.125%
HK$40,095
baseline
▲ 0.50% · 4.625%
HK$42,535
+HK$2,440/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,190/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,973
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,099
−HK$1,142/mo
Today · 4.125%
HK$44,241
baseline
▲ 0.50% · 4.625%
HK$46,573
+HK$2,332/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,482/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,219 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).